Credit Specialist II Commercial Real Estate - New York City, NY
New York , New York
December 13, 2017
About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit Find TD Bank on Facebook at and on Twitter at .

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit . Department Overview The Corporate and Specialty Banking Credit Specialist II is responsible for ensuring quality and compliance within the assigned Commercial Real Estate portfolio, supporting new business development while applying credit risk policy and adhering to TDBG risk appetite. The CSB Credit Specialist II performs the credit underwriting and credit administration functions. The CSB Credit Specialist II works to achieve credit management objectives within the team. The job works closely with the Commercial Real Estate Relationship Managers and Credit Officer to ensure consistency with the TD Bank Group's Risk Appetite Principles, including establishing the Borrower Risk Ratings and Facility Risk Ratings for new and existing credit relationships. Job Description •Performs in depth credit analysis in partnership with Relationship Manager on potential and existing Commercial Real Estate customers to determine alignment with TD Bank products/structure TD Credit Risk Appetite and credit policies/underwriting guidelines. Analysis includes but is not limited to, liquidity/cash flow sensitivity, market and industry sector.

•Experience with analysis of publicly-traded REITs and private equity funds a plus.

•Partners with the CRE Relationship Manager on potential structure proposals that are in alignment with TD Bank products/structure, TD Credit Risk Appetite and credit policies/underwriting guidelines.

•Attends site visits and prospect/customer calls as needed or as requested.

•With support from the Credit Analyst, prepares credit applications for new and existing Commercial Real Estate borrowers; Applications shall include new transactions, extensions, modifications, renewals, Annual Reviews, Portfolio Reviews, and Criticized Asset Reports.

•Ensures credit applications provide a high quality of risk assessment, credit structure, due diligence, and credit presentation and adheres to AIRB methodology and addresses TD Bank's profitability objectives.

•Manages a portfolio of primarily secured loans to Special Purpose Entities. Ensures the managed portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures. Job Requirements •4 year Undergraduate degree or equivalent experience; advanced degree in financial discipline preferred, other advanced degree considered

*7-10 years' experience in related field.

•Strong credit underwriting and administration skills.

•Ability to identify and mitigate risk.

•Ability to provide value-add structuring alternatives for complex credits.

•Strong written and verbal communication skills with demonstrated understanding of business acumen.

•Solid interpersonal skills Qualifications •Excellent credit underwriting and administration skills; considered subject matter expert in complex credit understanding in Commercial Real Estate

*Asset Management experience preferred

•Superior ability to identify and mitigate risk.

•Ability to provide value-add structuring alternatives for highly complex credits.

•Solid interpersonal skills.

•Client focused.

*Technologically solid Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach her/his potential.

If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at Please include your full name, contact information and details about your request within the e-mail.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

**Province/State (Primary) New York City (Primary) New York

A little about us:
TD Bank is creating and sustaining a diverse and inclusive workplace that reflects the people, cultures and languages of the communities we serve.

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